Federal Court of Australia
FEDERAL COURT OF AUSTRALIA
Delor Vue Apartments CTS 39788 v Allianz Australia Insurance Ltd (No 2) [2020] FCA 588 File number: NSD 2094 of 2018
Judge: ALLSOP CJ
Date of judgment: 6 May 2020
Catchwords: INSURANCE – where claim made under Residential Strata Insurance Policy following tropical cyclone – whether insured made innocent non-disclosure – whether insured made misrepresentation – whether insurer entitled to reduce its liability to nil where insured failed to comply with duty of disclosure – whether insurer would have issued policy if non-disclosure had not occurred – confirmation of cover by insurer despite non-disclosure – subsequent denial of liability by insurer – whether election, waiver or breach of the duty of the utmost good faith – whether insurer estopped from relying on s 28(3) – Insurance Contracts Act 1984 (Cth) ss 13, 21, 28
Legislation: Insurance Contracts Act 1984 (Cth) ss 13, 21, 28 Body Corporate and Community Management (Accommodation Module) Regulation 2008 (Qld) s 112 Body Corporate and Community Management Act 1997 (Qld) s 15
Cases cited: Agricultural and Rural Finance Pty Ltd v Gardiner [2008] HCA 57; 238 CLR 570 Amalgamated Investment and Property Co Ltd (In Liq) v Texas Commerce International Bank Ltd [1982] 1 QB 84 AMP Financial Planning Pty Ltd v CGU Insurance Ltd [2005] FCAFC 185; 146 FCR 447 Barclay Holdings (Australia) Pty Ltd v British National Insurance Co Ltd (1987) 8 NSWLR 514 CGU Insurance Ltd v AMP Financial Planning Pty Ltd [2007] HCA 36; 235 CLR 1 CGU Insurance Ltd v Porthouse [2008] HCA 30; 235 CLR 103 Commonwealth v Verwayen [1990] HCA 39; 170 CLR 394 Craine v Colonial Mutual Fire Insurance Co Limited [1920] HCA 64; 28 CLR 605 De Bussche v Alt (1878) 8 Ch D 286 Delaforce v Simpson-Cook [2010] NSWCA 84; 78 NSWLR 483 Freshmark Ltd v Mercantile Mutual Insurance (Australia) Ltd [1994] Qd R 390 GIO General Ltd v Wallace [2001] NSWCA 299; 11 ANZ Insurance Cases 61-506 Giumelli v Giumelli [1999] HCA 10; 196 CLR 101 Grundt v Great Boulder Proprietary Gold Mines Limited [1937] HCA 58; 59 CLR 641 Immer (No 145) Pty Ltd v Uniting Church in Australia Property Trust (NSW) [1993] HCA 27; 182 CLR 26 Johnson v Gore Wood & Co [2002] 2 AC 1 Kammins Ballroom Co Ltd v Zenith Investments (Torquay) Ltd [1971] AC 850 Khoury v Government Insurance Office (NSW) [1984] HCA 55; 165 CLR 622 Legione v Hateley [1983] HCA 11; (1983) 152 CLR 406 Marketform Managing Agency Ltd v Amashaw Pty Ltd [2018] NSWCA 70; 97 NSWLR 306 Nigel Watts Fashion Agencies Pty Ltd v GIO General Ltd [1994] NSWCA 365; 8 ANZ Insurance Cases 61-235 Permanent Trustee Australia Ltd v FAI General Insurance Co Ltd (In Liq) [2003] HCA 25; 214 CLR 514 Powell & Thomas v Evan Jones & Co [1905] 1 KB 11 Prepaid Services Pty Ltd v Atradius Credit Insurance NV [2014] NSWCA 440; (2015) 18 ANZ Insurance Cases 62-047 Purkess v Crittenden [1965] HCA 34; 114 CLR 164 at 168, Sargent v ASL Developments Ltd [1974] HCA 40; 131 CLR 634 Schaffer v Royal & Sun Alliance Life Assurance Australia Ltd [2003] QCA 182; 12 ANZ Insurance Cases 90-116 Stealth Enterprises Pty Ltd (t/a The Gentlemen's Club) v Calliden Insurance Ltd [2017] NSWCA 71; 19 ANZ Insurance Cases 62-131 Strong v Woolworths Ltd [2012] HCA 5; 246 CLR 182 Thompson v Palmer [1933] HCA 61; 49 CLR 507 Watts v Rake [1960] HCA 58; 108 CLR 158 Yorkshire Insurance Co v Craine [1922] 2 AC 541
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